2015 Temkin Forgiveness Ratings

Rank	Company	Industry	Temkin Forgiveness Ratings (TFR)	Company TFR vs Industry TFR
1	USAA	Credit cards	61%	30
2	USAA	Insurance	60%	25
2	USAA	Bank	60%	24
4	ACE Rent A Car	Car rentals	57%	23
5	Amazon.com	Retailer	55%	14
5	Publix	Supermarket	55%	8
7	Apple	Computers	53%	12
7	Amazon	Computers	53%	12
7	Aldi	Supermarket	53%	6
7	H-E-B	Supermarket	53%	6
11	A credit union	Bank	52%	16
11	Hy-Vee	Supermarket	52%	5
13	Home Depot	Retailer	50%	9
13	Sony	Computers	50%	9
13	Kroger	Supermarket	50%	3
13	Food Lion	Supermarket	50%	3
13	Trader Joe's	Supermarket	50%	2
18	TriCare	Health plan	49%	22
18	Amica	Insurance	49%	14
18	Chick-fil-A	Fast food	49%	11
18	Costco	Retailer	49%	8
22	Lexus	Auto dealer	48%	12
22	Nordstrom	Retailer	48%	7
24	Southern California Gas Company	Utility	47%	16
24	SunTrust Bank	Bank	47%	11
24	T.J. Maxx	Retailer	47%	6
24	Foot Locker	Retailer	47%	6
28	JetBlue Airlines	Airline	46%	13
28	Advantage Rent-A-Car	Car rentals	46%	11
28	Electrolux	Appliances	46%	10
28	Walgreens	Retailer	46%	5
28	Ross	Retailer	46%	5
28	Victoria Secret	Retailer	46%	5
34	Ameriprise Financial	Investments	45%	11
34	Popeye's Louisiana Kitchen	Fast food	45%	7
34	Family Dollar	Retailer	45%	4
34	Barnes & Noble	Retailer	45%	4
34	Whole Foods	Supermarket	45%	-2
34	Safeway	Supermarket	45%	-2
40	Embassy Suites	Hotel	44%	11
40	Sony	Software	44%	9
40	Apple	Software	44%	9
40	Hitachi	Appliances	44%	8
40	Panera Bread	Fast food	44%	6
40	JCPenney	Retailer	44%	3
40	Hannaford's	Supermarket	44%	-3
47	Virgin America	Airline	43%	11
47	Sheraton	Hotel	43%	10
47	Google	Software	43%	8
47	Cadillac	Auto dealer	43%	7
47	Toyota	Auto dealer	43%	7
47	Starbucks	Fast food	43%	5
47	QVC	Retailer	43%	2
47	Barnes & Noble	Computers	43%	2
47	Lowe's	Retailer	43%	2
47	Sam's Club	Retailer	43%	2
47	Giant Eagle	Supermarket	43%	-4
47	Wegmans	Supermarket	43%	-5
59	US Cellular	Wireless	42%	16
59	Regions	Bank	42%	6
59	Dunkin' Donuts	Fast food	42%	4
59	U.S. Postal Service	Parcel delivery	42%	3
59	Target	Retailer	42%	1
59	Old Navy	Retailer	42%	1
59	Bed Bath & Beyond	Retailer	42%	1
59	Apple Retail Store	Retailer	42%	1
59	PetSmart	Retailer	42%	1
68	Virgin Mobile	Wireless	41%	15
68	Holiday Inn	Hotel	41%	8
68	PNC	Bank	41%	5
68	Papa John's	Fast food	41%	3
68	Dollar General	Retailer	41%	0
68	CVS	Retailer	41%	0
68	O'Reilly Auto Parts	Retailer	41%	0
68	Dollar Tree	Retailer	41%	0
76	AirTran Airways	Airline	40%	8
76	Alaska Airlines	Airline	40%	7
76	Marriott	Hotel	40%	6
76	A credit union	Investments	40%	6
76	American Family	Insurance	40%	6
76	Fujitsu	Appliances	40%	4
76	Dodge	Auto dealer	40%	4
76	GM	Auto dealer	40%	4
76	Taco Bell	Fast food	40%	2
76	Ace Hardware	Retailer	40%	-1
76	Rite Aid	Retailer	40%	-2
76	Bi-Lo	Supermarket	40%	-7
76	Albertsons	Supermarket	40%	-7
89	Medicaid	Health plan	39%	12
89	Georgia Power	Utility	39%	8
89	Hampton Inn	Hotel	39%	5
89	Activision	Software	39%	4
89	Buick	Auto dealer	39%	3
89	Chevrolet	Auto dealer	39%	3
89	TD Bank	Bank	39%	3
89	Domino's	Fast food	39%	1
89	Pizza Hut	Fast food	39%	1
89	Chipotle Mexican Grill	Fast food	39%	1
89	Toshiba	Computers	39%	-2
89	GameStop	Retailer	39%	-2
89	Gap	Retailer	39%	-3
89	ShopRite	Supermarket	39%	-8
89	Stop & Shop	Supermarket	39%	-8
104	Medicare	Health plan	38%	11
104	Dominion Virginia Power	Utility	38%	7
104	Southwest Airlines	Airline	38%	5
104	Courtyard By Marriott	Hotel	38%	5
104	Sonic Drive-In	Fast food	38%	0
104	Arby's	Fast food	38%	0
104	UPS	Parcel delivery	38%	0
104	KFC	Fast food	38%	0
104	Subway	Fast food	38%	-1
104	7-Eleven	Retailer	38%	-3
104	Hewlett-Packard	Computers	38%	-3
104	True Value	Retailer	38%	-3
116	American Express	Credit cards	37%	7
116	Scottrade	Investments	37%	3
116	Enterprise	Car rentals	37%	3
116	State Farm	Insurance	37%	2
116	Dollar	Car rentals	37%	2
116	Microsoft	Software	37%	2
116	Samsung	Appliances	37%	1
116	LG	Appliances	37%	1
116	Audi	Auto dealer	37%	1
116	Wendy's	Fast food	37%	-1
116	eBay	Retailer	37%	-4
116	Toys 'R' Us	Retailer	37%	-4
116	Kmart	Retailer	37%	-4
116	Kohl's	Retailer	37%	-5
130	PNC	Credit cards	36%	6
130	DTE Energy Electric Company	Utility	36%	5
130	Best Western	Hotel	36%	3
130	Holiday Inn Express	Hotel	36%	3
130	Morgan Stanley Smith Barney	Investments	36%	2
130	AAA	Insurance	36%	1
130	Honda	Auto dealer	36%	0
130	BMW	Auto dealer	36%	0
130	Capital One 360	Bank	36%	0
130	Mercedes-Benz	Auto dealer	36%	0
130	Hardees	Fast food	36%	-2
130	Dairy Queen	Fast food	36%	-2
130	Staples	Retailer	36%	-5
130	Advance Auto Parts	Retailer	36%	-5
130	BJ's Wholesale Club	Retailer	36%	-6
130	Office Depot	Retailer	36%	-6
146	AOL	Internet service	35%	18
146	Delta Airlines	Airline	35%	2
146	Capital One 360	Investments	35%	1
146	Wells Fargo Advisors	Investments	35%	1
146	GEICO	Insurance	35%	0
146	Allstate	Insurance	35%	0
146	Fox Rent A Car	Car rentals	35%	0
146	Thrifty	Car rentals	35%	0
146	Mazda	Auto dealer	35%	-1
146	Haier	Appliances	35%	-1
146	Little Caesar's	Fast food	35%	-3
146	Jack in the Box	Fast food	35%	-3
146	FedEx	Parcel delivery	35%	-4
146	OfficeMax	Retailer	35%	-6
146	Wal-Mart	Retailer	35%	-6
146	AutoZone	Retailer	35%	-6
162	Southern California Edison	Utility	34%	3
162	HSBC	Credit cards	34%	3
162	Capital One	Credit cards	34%	3
162	Fairfield Inn	Hotel	34%	1
162	Comfort Inn	Hotel	34%	1
162	Fidelity Investments	Investments	34%	0
162	Farmers	Insurance	34%	-1
162	Chrysler	Auto dealer	34%	-2
162	U.S. Bank	Bank	34%	-2
162	Ford	Auto dealer	34%	-2
162	Nissan	Auto dealer	34%	-2
162	DHL	Parcel delivery	34%	-5
162	Sears	Retailer	34%	-7
175	MetroPCS	Wireless	33%	7
175	Florida Power & Light	Utility	33%	2
175	Doubletree	Hotel	33%	0
175	Crowne Plaza	Hotel	33%	0
175	Edward Jones	Investments	33%	-1
175	National	Car rentals	33%	-1
175	Chase	Bank	33%	-2
175	Kenmore	Appliances	33%	-3
175	Panda Express	Fast food	33%	-5
175	Marshalls	Retailer	33%	-8
175	Macy's	Retailer	33%	-8
175	Best Buy	Retailer	33%	-8
187	Kaiser Permanente	Health plan	32%	5
187	Residence Inn	Hotel	32%	-2
187	Whirlpool	Appliances	32%	-4
187	Fifth Third	Bank	32%	-4
187	Bank of America	Bank	32%	-4
187	Asus	Computers	32%	-9
193	U.S. Bank	Credit cards	31%	0
193	Discover	Credit cards	31%	0
193	American Airlines	Airline	31%	-2
193	Hilton	Hotel	31%	-3
193	*ETRADE**	Investments	31%	-3
193	MetLife	Insurance	31%	-3
193	Charles Schwab	Investments	31%	-3
193	Alamo	Car rentals	31%	-4
193	Kia	Auto dealer	31%	-5
193	Burger King	Fast food	31%	-7
193	Acer	Computers	31%	-10
204	BCBS of Florida	Health plan	30%	3
204	Bank of America	Credit cards	30%	-1
204	Quality Inn	Hotel	30%	-4
204	Vanguard	Investments	30%	-4
204	The Hartford	Insurance	30%	-4
204	Blackboard	Software	30%	-5
204	Toshiba	Appliances	30%	-6
204	Bosch	Appliances	30%	-6
204	Lenovo	Computers	30%	-11
213	TracFone	Wireless	29%	3
213	T-Mobile	Wireless	29%	3
213	Budget	Car rentals	29%	-5
213	Progressive	Insurance	29%	-6
213	BB&T;	Bank	29%	-6
213	Capital One	Bank	29%	-7
213	Dell	Computers	29%	-11
220	Verizon	TV service	28%	11
220	BCBS of Michigan	Health plan	28%	1
220	PSE&G;	Utility	28%	-3
220	Hertz	Car rentals	28%	-7
220	Adobe	Software	28%	-7
220	Intuit	Software	28%	-7
220	Wells Fargo	Bank	28%	-7
220	Citizens	Bank	28%	-8
228	US Airways	Airline	27%	-5
228	Days Inn	Hotel	27%	-6
228	Westin	Hotel	27%	-6
228	Merrill Lynch	Investments	27%	-7
228	Hyundai	Auto dealer	27%	-9
228	McDonalds	Fast food	27%	-11
234	Humana	Health plan	26%	-1
234	Duke Energy Progress	Utility	26%	-5
234	Super 8	Hotel	26%	-8
234	Nationwide	Insurance	26%	-9
238	DirecTV	TV service	25%	9
238	AT&T;	Wireless	25%	-1
238	Barclaycard	Credit cards	25%	-6
238	La Quinta Inn	Hotel	25%	-8
238	Ramada Inn	Hotel	25%	-9
243	AT&T;	TV service	24%	7
243	United Healthcare	Health plan	24%	-3
243	Citigroup	Credit cards	24%	-7
243	Chase	Credit cards	24%	-7
243	Hyatt	Hotel	24%	-9
243	Motel 6	Hotel	24%	-10
243	Liberty Mutual	Insurance	24%	-10
243	TD Ameritrade	Investments	24%	-10
243	Avis	Car rentals	24%	-11
243	Jeep	Auto dealer	24%	-12
243	Volkswagen	Auto dealer	24%	-12
254	AT&T;	Internet service	23%	7
254	Blue Shield of California	Health plan	23%	-4
254	Wells Fargo	Credit cards	23%	-7
254	Pacific Gas and Electric Company	Utility	23%	-8
254	McAfee	Software	23%	-12
259	Bright House Networks	TV service	22%	6
259	Dish Network	TV service	22%	5
259	Verizon Wireless	Wireless	22%	-4
259	Aetna	Health plan	22%	-5
259	Consumers Energy Company	Utility	22%	-9
259	United Airlines	Airline	22%	-11
259	21st Century	Insurance	22%	-12
259	Symantec	Software	22%	-13
259	Citibank	Bank	22%	-14
268	CenturyLink	Internet service	21%	4
268	Subaru	Auto dealer	21%	-15
268	RadioShack	Retailer	21%	-20
271	CIGNA	Health plan	20%	-7
271	Commonwealth Edison	Utility	20%	-11
273	Optimum	Internet service	19%	3
273	Charter Communications	Internet service	19%	3
273	Cox Communications	Internet service	19%	2
273	Verizon	Internet service	19%	2
273	Anthem	Health plan	19%	-8
273	BCBS plan not listed	Health plan	19%	-8
279	Cablevision Optimum	TV service	18%	2
279	Cablevision	Internet service	18%	1
279	Sprint	Wireless	18%	-7
282	Travelers	Insurance	17%	-17
283	Charter Communications	TV service	16%	-1
283	Health Net	Health plan	16%	-11
285	Spirit Airlines	Airline	15%	-18
286	Frontier	Internet service	13%	-4
287	Cox Communications	TV service	12%	-5
288	Time Warner Cable	Internet service	10%	-7
289	Time Warner Cable	TV service	8%	-9
290	Comcast	Internet service	7%	-9
291	Comcast	TV service	5%	-11
292	Coventry Health Care	Health plan	3%	-24
292	Consolidated Edison Company of New York	Utility	3%	-28

See the 2014 Ratings

Calculating the Temkin Forgiveness Ratings

The Temkin Forgiveness Ratings are based on consumer feedback on companies with which our survey respondents have recently interacted. We asked consumers how likely they would be to forgive the companies if those firms made a mistake. For more information, see the Temkin Forgiveness Ratings Overview.

Purchase Data

For only $295, you can download an Excel workbook with the underlying data from the 2015 Temkin Forgiveness Ratings in addition to the overall ratings from 2014.

The dataset includes details for all three component scores for the 293 companies in the 2015 ratings. In addition, it provides average industry ratings across six age groups of consumers.

For more information, see the Temkin Forgiveness Ratings Overview.